However, before agreeing to a policy there are a few things to consider to make sure that you have the right fit for you.

Start with your needs

Assessing your needs is the first place to start to help you get an idea of how much life cover will be enough cover for you. Aim to factor in costs such as daily living expenses, any debt you may have, medical expenses, educational expenses, or future expenses you would like to have covered. You can also use our handy life insurance calculator or request an obligation free quote. 

Start your online quote

I am a

Man Woman

and was born on

dd 01 02 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31

/

mm 01 02 03 04 05 06 07 08 09 10 11 12

/

yyyy 1954 1955 1956 1957 1958 1959 1960 1961 1962 1963 1964 1965 1966 1967 1968 1969 1970 1971 1972 1973 1974 1975 1976 1977 1978 1979 1980 1981 1982 1983 1984 1985 1986 1987 1988 1989 1990 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001

.

I am a

Smoker Non-Smoker

earning

Please Select R0 to R7,599 R7,600 to R11,399 R11,400 to R15,199 R15,200 to R30,399 R30,400 to R37,999 R38,000 to R60,799 R60,800 or above

per month

Live quotes happening now.

Live quotes happening now.

It's more than the premium

Finding the best cover is more than finding an affordable premium. Checking the features that come with your policy is vital as this is what will cover you when you need it the most. Understanding what you are covered for is important. Your insurer will inform you on what you will be covered for before agreeing to a policy. However, should you not understand some of the terms or what you are covered for, feel free to ask for a clearer understanding. Some features to keep an eye out for are:

• Funeral cover for extended family members and the amount that they are covered for. This is usually a maximum of R50,000 for people that are 18 years and older.
• Terminal illness cover and the flexibility that comes with it. There are insurers that allow you to take out 50%- 100% of the amount to help deal with expenses.
• Inclusions and exclusions are something that should be read carefully. This is your guideline on whether you qualify and whether you will be covered when it is time to make a claim.

Think ahead with a will

While having a life insurance policy in place is a great way to start your basic foundations of building a financial safety net, it is equally important to have a will in place. Protect your child's future with a will that gives you peace of mind knowing that you have selected guardians who will take care of them and when they can get access to assets that you have been working hard to provide for them such as your life cover payout. This is often something that is at the bottom of the list for many parents when it comes to financial planning, but not having this in place could leave your child unprotected.  

Remember to update your beneficiaries

Selecting who you would like to receive your life cover payout can help you avoid a situation where your policy goes unclaimed. Remember to update the information in your policy to make sure that the payout is given to the right people. Keep in mind that you can always come back later to make changes such as adding or removing beneficiaries.